# Kept vs Spendi

The clearest difference is monetization model: Kept at free against Spendi's freemium. On price, rating, review sentiment and ratings volume there is nothing between them.

Both are free to download. Kept sells 3 one-off in-app purchases and Spendi sells 4 in-app purchases, starting at $2.99 per month. Whichever you choose, the download price is not the number that matters.

On the App Store both sit at effectively the same score — 5.0 for Kept against 5.0 for Spendi. Both are backed by a comparable volume of ratings — 3 and 6 respectively. Written reviews split almost evenly too, at 100% and 100% positive.

Both ship on a similar rhythm, roughly weekly. The most recent releases landed on October 31, 2026 and November 5, 2026 respectively.

## The numbers

| Metric | Kept | Spendi |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [5.0 (3 ratings)](https://appshunter.io/ios/app/kept-budget-and-expense-tracker/id6760608763/reviews) | [5.0 (6 ratings)](https://appshunter.io/ios/app/spendi-expense-tracker/id6760630364/reviews) |
| Number of ratings | 3 | **6** |
| Positive reviews | 100.0% of reviews | 100.0% of reviews |
| In-app purchases | Yes | Yes |
| Ads | No | No |
| Update frequency | Weekly | Weekly |
| Monetization | **Free** | Freemium |
| Size | 21 MB | 25 MB |
| Requires iOS | 18.6 | 18.6 |
| Devices | **iPhone, iPad, Apple Watch** | iPhone, iPad |
| Age rating | 4+ | 4+ |
| Developer | [Md Ashikur Rahman](https://appshunter.io/developer/1885300494) | [Mucahit KOKDEMIR](https://appshunter.io/developer/1784103749) |

## What reviewers say

### Kept

[App page](https://appshunter.io/ios/app/kept-budget-and-expense-tracker/id6760608763)

A private and simple way to track your money without needing bank logins or an account. Log expenses quickly, create helpful budgets, and visualize your spending with clear charts. Your financial data stays securely on your device.

**Highlights:** Fast expense logging, Customizable budgets, Visual spending charts, 100% private and secure, No account or bank login required, Optional iCloud sync, Apple Watch app

**Features:** Apple Watch app

**In-app purchases (3)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Small Tip | $0.99 | one-time |
| Medium Tip | $2.99 | one-time |
| Large Tip | $4.99 | one-time |


### Spendi

[App page](https://appshunter.io/ios/app/spendi-expense-tracker/id6760630364)

Effortlessly manage your finances by logging expenses, setting budgets, and tracking subscriptions. Gain visual insights into your spending habits and upcoming payments. This app prioritizes your privacy with no ads or account requirements.

**Highlights:** Quick expense logging, Subscription and recurring payment tracking, Smart budgeting with progress indicators, Visual spending insights with charts, Upcoming payment reminders, Home and Lock Screen widgets, iCloud sync across devices

**Features:** macOS Compatibility, Family Sharing, Vision Pro support, iPhone Duo support

**In-app purchases (4)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Spendi Pro (Monthly) | $2.99 | per month |
| Spendi Pro (Yearly) | $19.99 | per year |
| Spendi Pro – Lifetime | $14.99 | one-time |
| Spendi Pro – Lifetime | $29.99 | one-time |


## Frequently asked questions

### Is Kept free?

Kept is free to download, with in-app purchases available.

### Is Spendi free?

Spendi is free to download, with in-app purchases available.

### Which has better reviews, Kept or Spendi?

Kept and Spendi are both rated 5.0 out of 5 on the App Store, from 3 and 6 ratings respectively.

### Do Kept or Spendi have ads?

Neither Kept nor Spendi shows ads.

### Which is updated more often, Kept or Spendi?

Kept ships an update weekly, and Spendi weekly. Most recently, Kept was updated on October 31, 2026 and Spendi on November 5, 2026.

---

*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*